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How much is car insurance in White Plains?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $13 a month cheaper to insure your vehicle in White Plains than it is in the rest of New York.
The average cost of insuring your vehicle in White Plains is above the national rate. Coverage in White Plains is about $105 more expensive than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for White Plains, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for White Plains residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement age in White Plains.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, White Plains defies this trend. Female drivers typically pay around $28 more per month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in White Plains with a single accident on their record is about $174 a month. Likewise, drivers with one ticket will be looking at a rate of around $104 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$155|
|15 Years or Older||$216|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in White Plains, with drivers paying around $150 per month for auto insurance coverage.
SUV owners, on the other hand, typically pay around $150 a month, while truck and van drivers can expect to pay about $283 per month for insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In White Plains, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$210|
More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in White Plains is about $86 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in White Plains, expect to pay around $108 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in White Plains, NY
Recent trends in car insurance for White Plains drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In White Plains, the rates for auto insurance declined from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $115.
How does White Plains compare to neighboring areas?
Why are car insurance rates in White Plains different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of car accidents
- Number of drivers in the community
- Prevalence of crime
- Off-street parking access
- Community laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in White Plains?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in White Plains.
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White Plains Insurance FAQs
What factors affect car insurance quotes in White Plains?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in White Plains different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in White Plains?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to White Plains?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to White Plains or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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